Wilson Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Wilson Bank & Trust is the primary bank subsidiary of its parent holding company, headquartered in Lebanon, TN. The Q2 2026 balance sheet stands at $6.0B in assets, including $4.5B in loans. Regulatory capital is solid, 14.35% CET1 and 15.60% total risk-based capital ratio. The bank posts a strong 1.42% ROA and 14.53% ROE. Credit metrics are in line with industry norms, 0.64% NPL ratio. Its footprint covers 32 branches concentrated in Tennessee.
As of June 30, 2026, Wilson Bank & Trust reported a CET1 capital ratio of 14.35%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.64%, a Texas ratio of 4.90%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 623 W Main St, Lebanon, TN 37087
- County
- Wilson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- May 11, 1987
- Former names
- Wilson Bank and Trust (2006)
- Offices
- 32 domestic
- Employees (FTE)
- 654
- Domestic deposits
- $5.33B
- Allowance for credit losses
- $57.8M
- Net charge-offs (YTD)
- $800K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1987
- FDIC Cert
- 26962
- Fed RSSD
- 159636
- SEC CIK
- 885275 → filed by WILSON BANK HOLDING COMPANY
- Website
- www.wilsonbank.com →
- Parent Holding Company
- WILSON BANK HOLDING COMPANY (RSSD 2004141) · WBHC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Mcdearman John | CEO | President & CEO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Wilson Bank & Trust terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Wilson Bank & Trust, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Wilson Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.35% | 1.42% | 0.64% | 4.90% | 3.70% |
| Q1 2026 | 14.29% | 1.51% | 0.57% | 4.03% | 3.75% |
| Q4 2025 | 14.31% | 1.51% | 0.64% | 4.80% | 3.68% |
| Q3 2025 | 13.64% | 1.26% | 0.87% | 7.33% | 3.50% |
| Q2 2025 | 13.31% | 1.40% | 0.28% | 2.48% | 3.59% |
| Q1 2025 | 13.34% | 1.23% | 0.79% | 6.05% | 3.36% |
| Q4 2024 | 13.16% | 1.14% | 0.79% | 6.40% | 3.23% |
| Q3 2024 | 13.10% | 1.00% | 0.21% | 1.80% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 32 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wilson Bank and Trust | Lebanon , TN | 37087 | $873.5M |
| Mt. Juliet Branch | Mount Juliet , TN | 37122 | $369.3M |
| Cookeville Office Branch | Cookeville , TN | 38501 | $336.3M |
| Memorial Branch | Murfreesboro , TN | 37129 | $251.1M |
| Smithville Office | Smithville , TN | 37166 | $230.8M |
| Hermitage Office Branch | Hermitage , TN | 37076 | $224.7M |
| Broad Street Office | Murfreesboro , TN | 37129 | $213.3M |
| Lebanon Branch | Lebanon , TN | 37087 | $204.4M |
| Carothers Parkway Office | Franklin , TN | 37067 | $185.3M |
| Hendersonville Office | Hendersonville , TN | 37075 | $166.2M |
| Gladeville Tennessee Branch | Mount Juliet , TN | 37122 | $161.0M |
| Carthage Office | Carthage , TN | 37030 | $153.7M |
| West End Office Branch | Nashville , TN | 37203 | $149.2M |
| Church Street Branch | Murfreesboro , TN | 37127 | $146.3M |
| Gallatin Office | Gallatin , TN | 37066 | $144.4M |
| Tennessee Boulevard Branch | Lebanon , TN | 37087 | $141.2M |
| Hartsville Office | Hartsville , TN | 37074 | $138.4M |
| Providence Office Branch | Mount Juliet , TN | 37122 | $138.4M |
| Wilson Bank & Trust - Greenlee Office Branch | Gallatin , TN | 37066 | $133.4M |
| Highway 96 Office | Murfreesboro , TN | 37128 | $129.9M |
| Watertown Branch | Watertown , TN | 37184 | $121.7M |
| Highway 70 Branch | Mount Juliet , TN | 37122 | $118.2M |
| Donelson Branch | Nashville , TN | 37214 | $116.8M |
| Smyrna Office Branch | Smyrna , TN | 37167 | $99.9M |
| Leeville 109 Branch | Lebanon , TN | 37090 | $92.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2005 | Structure Change | Acquired DeKalb Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Wilson Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.1% of deposits in TN, rank 8 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,968 applications, 1,358 loans originated, $508.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Wilson Bank & Trust
What are Wilson Bank & Trust's total assets?
As of the Q2 2026 filing, Wilson Bank & Trust reported total assets of $5.98 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wilson Bank & Trust headquartered?
Wilson Bank & Trust is headquartered in Lebanon, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Wilson Bank & Trust founded?
Wilson Bank & Trust was established in 1987, per the FDIC institution directory.
Is Wilson Bank & Trust FDIC-insured?
Yes. Wilson Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #26962). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wilson Bank & Trust?
Wilson Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wilson Bank & Trust's CET1 capital ratio?
Wilson Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 14.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wilson Bank & Trust operate?
Wilson Bank & Trust operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wilson Bank & Trust's Texas Ratio?
Wilson Bank & Trust's Texas Ratio is 4.90% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Wilson Bank & Trust previously called?
The charter now named Wilson Bank & Trust has also operated as Wilson Bank and Trust (2006), per FDIC structure-change records.
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